Civic Intelligence

Community First Lending

990 • Fiscal year 2018 • EIN 45-4715883

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 06, 2019

Organization ProfileN/A
1535 Fred Jackson WayRichmond, CA 94801

(510) 412-9290

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

83rd percentile

0.58x

Higher debt load relative to assets than 83% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

72nd percentile

0.33x

Higher debt load relative to revenue than 72% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

43rd percentile

0.8%

Higher net margin than 43% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

1st percentile

-63%

Faster asset growth than 1% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

99th percentile

498%

Faster revenue growth than 99% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$1,663,171

Down $2,886,818 (-63%) from 2017

Net Assets

Up

$696,838

Up $24,460 (+3.6%) from 2017

Liabilities

Down

$966,333

Down $2,911,278 (-75%) from 2017

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin43rd percentile

Revenue

Up

$2,940,495

Up $2,448,508 (+498%) from 2017

Expenses

Up

$2,916,035

Up $2,582,056 (+773%) from 2017

Net Income

Down

$24,460

Down $133,548 (-85%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0-$2.0MAssets 2013: $166,301Liabilities 2013: $177,859Net Assets 2013: -$11,5582013Assets 2014: $236,756Liabilities 2014: $243,5702014Assets 2015: $5,140,395Liabilities 2015: $4,770,172Net Assets 2015: $370,2232015Assets 2016: $4,850,413Liabilities 2016: $4,336,043Net Assets 2016: $514,3702016Assets 2017: $4,549,989Liabilities 2017: $3,877,611Net Assets 2017: $672,3782017Assets 2018: $1,663,171Liabilities 2018: $966,333Net Assets 2018: $696,8382018Assets 2019: $762,068Liabilities 2019: $56,937Net Assets 2019: $705,1312019Assets 2020: $1,528,421Liabilities 2020: $837,245Net Assets 2020: $691,1762020Assets 2021: $1,734,329Liabilities 2021: $612,440Net Assets 2021: $1,121,8892021Assets 2022: $2,704,680Liabilities 2022: $1,695,695Net Assets 2022: $1,008,9852022Assets 2023: $2,287,357Liabilities 2023: $1,131,852Net Assets 2023: $1,155,5052023Assets 2024: $2,588,924Liabilities 2024: $1,532,638Net Assets 2024: $1,056,2862024

Highlighted filing

2018

Assets$1,663,171
Liabilities$966,333
Net Assets$696,838
Open 2018 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2013: $1,445Expenses 2013: $4,223Net Income 2013: -$2,7782013Revenue 2014: $10,746Expenses 2014: $12,425Net Income 2014: -$1,6792014Revenue 2015: $268,625Expenses 2015: $131,250Net Income 2015: $137,3752015Revenue 2016: $473,366Expenses 2016: $329,219Net Income 2016: $144,1472016Revenue 2017: $491,987Expenses 2017: $333,979Net Income 2017: $158,0082017Revenue 2018: $2,940,495Expenses 2018: $2,916,035Net Income 2018: $24,4602018Revenue 2019: $960,139Expenses 2019: $951,846Net Income 2019: $8,2932019Revenue 2020: $22,469Expenses 2020: $36,424Net Income 2020: -$13,9552020Revenue 2021: $234,940Expenses 2021: $123,889Net Income 2021: $111,0512021Revenue 2022: $77,682Expenses 2022: $190,586Net Income 2022: -$112,9042022Revenue 2023: $263,775Expenses 2023: $117,255Net Income 2023: $146,5202023Revenue 2024: $78,693Expenses 2024: $177,912Net Income 2024: -$99,2192024

Highlighted filing

2018

Revenue$2,940,495
Expenses$2,916,035
Net Income$24,460
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 6, 2019
Return Version
2018v3.1
Gross Receipts
$2,940,495
Mission and Program Overview

Mission

The Corporation is organized exclusively to benefit and support Community Housing Development Corporation of North Richmond ("CHDC"), in carrying out its purposes, in accordance with the provisions of IRS 509(a)(3) by securing capital from federal, state and local governments and from private sources to assist in providing financing for low and moderate income housing and establishing a revolving loan fund which will provide loans to low and moderate income households for the purpose of assisting in the purchase of affordable housing and/or communities, in furtherance of one of CHDC's charitable purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,949,650$1,026,006▼ $2,923,644
Cash and Non-Interest-Bearing Accounts$585,696$622,046▲ $36,350
Prepaid Expenses and Deferred Charges$4,723$4,657▼ $66
Land, Buildings, and Equipment, Net$1,217$811▼ $406
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,549,989$1,663,171▼ $2,886,818
Other Assets Total$8,703$9,651▲ $948
Liabilities
Other Liabilities$3,877,549$966,333▼ $2,911,216
Accounts Payable and Accrued Expenses$62--
Total Liabilities$3,877,611$966,333▼ $2,911,278
Net Assets / Fund Balance
Permanently Rstr Net Assets$668,757$708,757▲ $40,000
Unrestricted Net Assets$3,621$-11,919▼ $15,540
Total Net Assets Fund Balance$672,378$696,838▲ $24,460
Total Liabilities and Net Assets / Fund Balance$4,549,989$1,663,171▼ $2,886,818

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$811-$811
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
Annie King- MeredithPresident
Leslie StewartVice President
Marena BrownMember
Darlene WilliamsSecretary
Fred LambrightTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,940,495
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$24,460

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,940,495
Total Revenue per Audited Statements
$2,940,495
Total Revenue per Form 990
$2,940,495
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,916,035
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Accounting-$22,140-$22,140
Insurance-$11,776-$11,776
Conferences and Meetings-$1,604-$1,604
Depreciation Depletion$406--$406
Other Expenses$109--$109
Total Functional Expenses$2,880,515$35,520$0$2,916,035

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,916,035
Total Expenses per Audited Statements$2,916,035
Total Expenses per Form 990$2,916,035
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Recoverable Grants$940,000
Due to City of Oakland$22,078
Due to Affiliate$4,255
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The tax return will be reviewed by the Board Secretary.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Officers, directors and key employees are required to complete a form and/or to disclose possible conflicts of interest and review by the board of directors.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The Board of Directors review and approve compensation.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The Board of Directors review and approve compensation.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Only upon request.”

Filing and Contact Details

Filer

Filer Name
Community First Lending
EIN
45-4715883
Phone
5104129290
Address
1535 Fred Jackson Way, Richmond, CA 94801

Signing Officer

Name
Darlene Williams
Title
Secretary
Signed
2019-11-06
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Firm
Meseret Y Zeleke CPA
Address
521 EL CERRITO PLAZA STE 521, EL CERRITO, CA 94530-4006
Preparer
Meseret Y Zeleke
Phone
5105271910
Raw XML Appendix390 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionFamilyInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ControlledDisqualifiedPrsnInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnControllIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnOwnrIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ExcessBusinessHoldingsRulesInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ListedByNameGoverningDocInd0true
IRS990ScheduleA/Form990SchASupportingOrgGrp/LoanDisqualifiedPersonInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/OrganizationChangeSuprtOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/PaymentSubstantialContribtrInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgNotOrganizedUSInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgSectionC456Ind0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportNonSupportedOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SuprtOrgNoIRSDeterminationInd0false
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/OperateBenefitNonSuprtOrgInd0false
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/PowerAppointMajorityDirTrstInd0true
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0680235719
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd0false
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd010
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0Community Housing Development Corpo
IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType1Ind0X
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0811
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0811
IRS990ScheduleD/ExpensesSubtotalAmt02916035
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04255
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt122078
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2940000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Due to Affiliate
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Due to City of Oakland
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Recoverable Grants
IRS990ScheduleD/RevenueSubtotalAmt02940495
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0811
IRS990ScheduleD/TotalExpensesPerForm990Amt02916035
IRS990ScheduleD/TotalLiabilityAmt0966333
IRS990ScheduleD/TotalRevenuePerForm990Amt02940495
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02940495
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02916035
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The tax return will be reviewed by the Board Secretary.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Officers, directors and key employees are required to complete a form and/or to disclose possible conflicts of interest and review by the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors review and approve compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors review and approve compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Only upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04549989
IRS990/TotalAssetsEOYAmt01663171
IRS990/TotalAssetsGrp/BOYAmt04549989
IRS990/TotalAssetsGrp/EOYAmt01663171
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt035520
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02880515
IRS990/TotalFunctionalExpensesGrp/TotalAmt02916035
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03877611
IRS990/TotalLiabilitiesEOYAmt0966333
IRS990/TotalLiabilitiesGrp/BOYAmt03877611
IRS990/TotalLiabilitiesGrp/EOYAmt0966333
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0672378
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0696838
IRS990/TotalProgramServiceExpensesAmt02880515
IRS990/TotalProgramServiceRevenueAmt02940495
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02940495
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02940495
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04549989
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01663171
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03621
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-11919
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01535 Fred Jackson Way
IRS990/USAddress/CityNm0Richmond
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094801
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-03-31 21:24:44Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Darlene Williams
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Community First Lending
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0454715883
ReturnHeader/Filer/PhoneNum05104129290
ReturnHeader/Filer/USAddress/AddressLine1Txt01535 Fred Jackson Way
ReturnHeader/Filer/USAddress/CityNm0Richmond
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094801
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0204723449
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MESERET Y ZELEKE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0521 EL CERRITO PLAZA STE 521
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EL CERRITO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0945304006
ReturnHeader/PreparerPersonGrp/PhoneNum05105271910
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Meseret Y Zeleke
ReturnHeader/ReturnTs02019-11-06T13:15:55-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,663,171
Liabilities
$966,333
Net assets
$696,838
Revenue
$2,940,495
Expenses
$2,916,035
Net income
$24,460
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.59$1.53$1.06$0.08$0.18$0.10
2023Summary only. Only limited summary data is available for this year.$2.29$1.13$1.16$0.26$0.12$0.15
2022Summary only. Only limited summary data is available for this year.$2.70$1.70$1.01$0.08$0.19$0.11
2021Summary only. Only limited summary data is available for this year.$1.73$0.61$1.12$0.23$0.12$0.11
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.53$0.84$0.69$0.02$0.04$0.01
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.76$0.06$0.71$0.96$0.95$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.66$0.97$0.70$2.94$2.92$0.02
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.55$3.88$0.67$0.49$0.33$0.16
2016Summary only. Only limited summary data is available for this year.$4.85$4.34$0.51$0.47$0.33$0.14
2015Summary only. Only limited summary data is available for this year.$5.14$4.77$0.37$0.27$0.13$0.14
2014Summary only. Only limited summary data is available for this year.$0.24$0.24$0.01$0.01$0.00
2013Summary only. Only limited summary data is available for this year.$0.17$0.18$0.01$0.00$0.00$0.00